Scotiabank seeks a Senior Mortgage Credit Analyst skilled in adjudication quality, credit reviews, and risk-based decisions. This Toronto role supports mortgage funding controls.

The Mortgage Review Officer / Senior Credit Analyst reviews decisions processed through Scotia Mortgage Authority, Home Financing Solutions, and Branch Channels. You will examine creditworthiness, loan conditioning, exception decisions, and documentation quality. Findings support senior leadership, coaching, performance assessment, and effective mortgage portfolio management.

Key Responsibilities:
Conduct targeted mortgage reviews requested by Credit Review leadership
Evaluate adjudicator decisions, risk tolerances, and loan conditioning consistency
Review creditworthiness and document reasoned mortgage decisions
Present review findings, trends, conclusions,



and recommendations
Track performance metrics and identify potential fraud or legislative issues

Requirements:
Thorough knowledge of regulatory, privacy, KYC, and anti-money laundering requirements
Working knowledge of SMA, HFA, and Branch mortgage processes
Thorough knowledge of MIMs, Scotia Home, CIS, and related systems
Working knowledge of Word, Excel, PowerPoint, and Outlook
Ability to work independently and accept senior leadership direction

Use mortgage credit analysis, adjudication expertise, and explicit reporting to support consistent, compliant lending decisions at Scotiabank.
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📌 Senior Mortgage Credit Analyst Scotiabank Toronto
🏢 Scotiabank
📍 Toronto